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  1. 🏠
  2. Medicare Advantage Plans
  3. New York
  4. Seneca County

2026 Medicare Advantage Plans in Seneca County, NY

Last update: September 2, 2026.

For 2026, Seneca County, NY includes 20 Medicare Advantage plans. Enrollment across these plans totals approximately 3,408, with 12 $0 premium options and 35% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Seneca County, NY are summarized separately. Visit Medicare Options in Seneca County, NY to see more options.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $48.81/mo
  • $0 Premium Plans: 12
  • Average MOOP: $8,008 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 35% · 3 Stars: 65% · Below 3: 0%
  • Average Part D Deductible: $544.62
  • Total MA/MAPD Enrollment: 3,408
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Medicare Blue Choice Core (HMO) — 1,737 enrollees
    2. Medicare Blue Choice Prime (HMO) — 447 enrollees
    3. HumanaChoice Giveback H5970-030 (PPO) — 296 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
8
Average Monthly Premium
$31.35/mo
Total PPO Enrollment
940
$0 Premium PPO Plans
5
Average MOOP
$8,713
Top PPO by Enrollment
HumanaChoice Giveback H5970-030 (PPO) — 296 enrollees
PPO Plans Without Drug Coverage
2

2026 PPO Medicare Advantage plans in Seneca County, New York (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $9,250 N/A H5521-323-0
MVP Medicare WellSelect with Part D
☆☆☆☆☆
$160 $9,250 $615 H9615-021-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,950 N/A H5970-016-0
HumanaChoice Giveback H5970-030
☆☆☆☆☆
$0 $9,250 $615 H5970-030-0
HumanaChoice H5970-029
☆☆☆☆☆
$32 $9,250 $615 H5970-029-0
Wellcare Assist Open
☆☆☆☆☆
$59 $9,250 $530 H2775-113-0
Wellcare Giveback Open
☆☆☆☆☆
$0 $9,250 $615 H2775-111-0
Wellcare Simple Open
☆☆☆☆☆
$0 $9,250 $615 H2775-106-0

What is the average monthly premium for PPO plans in Seneca?

PPO plans in Seneca cost $31.35 per month on average.

Which PPO plan has the highest enrollment in Seneca?

The most popular PPO plan in Seneca is HumanaChoice Giveback H5970-030 (PPO), with 296 enrollees.

How many PPO plans in Seneca do not include prescription drug coverage?

2 PPO plans in Seneca do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 3
  • Average Monthly Premium $79.67/mo
  • Total HMO Enrollment 2,208
  • $0 Premium HMO Plans 1
  • Average MOOP $8,833
  • Top HMO by Enrollment Medicare Blue Choice Core (HMO) — 1,737 enrollees
  • HMO Plans Without Drug Coverage 0

2026 HMO Medicare Advantage plans in Seneca County, New York (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Medicare Blue Choice Core
☆☆☆☆☆
$0 $9,250 $615 H3351-022-0
Medicare Blue Choice Prime
☆☆☆☆☆
$55 $8,000 $615 H3351-023-0
Aetna Medicare Signature
☆☆☆☆☆
$184 $9,250 $615 H3312-097-0
What is the top HMO by enrollment in Seneca?

Medicare Blue Choice Core (HMO) is the top HMO in Seneca, with 1,737 enrollees.

What is the number of HMO plans without Part D coverage in Seneca?

0 HMO plans in Seneca do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
7
Average Monthly Premium
$69.47/mo
Total HMO-POS Enrollment
260
$0 Premium HMO-POS Plans
4
Average MOOP
$7,564
Top HMO-POS by Enrollment
Wellcare Fidelis Simple (HMO-POS) — 89 enrollees
HMO-POS Plans Without Drug Coverage
3

2026 HMO-POS Medicare Advantage plans in Seneca County, New York (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Medicare Blue Choice Freedom
☆☆☆☆☆
$0 $4,500 N/A H3351-007-0
Medicare Blue Choice Optimum
☆☆☆☆☆
$225 $6,700 $100 H3351-006-0
MVP Medicare Preferred Gold with Part D
☆☆☆☆☆
$229 $6,800 $300 H3305-015-0
MVP Medicare Preferred Gold without Part D
☆☆☆☆☆
$0 $7,200 N/A H3305-007-0
Wellcare Fidelis Assist
☆☆☆☆☆
$33 $9,250 $615 H5599-002-0
Wellcare Fidelis Patriot Simple
☆☆☆☆☆
$0 $9,250 N/A H5599-010-0
Wellcare Fidelis Simple
☆☆☆☆☆
$0 $9,250 $615 H5599-004-0

What is the typical premium for HMO-POS plans in Seneca?

HMO-POS plans in Seneca cost $69.47 per month on average.

Which HMO-POS plan has the most members in Seneca?

The most popular HMO-POS plan in Seneca is Wellcare Fidelis Simple (HMO-POS), with 89 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Seneca?

There are 3 HMO-POS plans in Seneca without prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.

Total PFFS Plans
2
Average Monthly Premium
$0.00/mo
Beneficiaries Enrolled
0
$0 Premium PFFS
2
Average MOOP
$5,500
PFFS with the Highest Enrollment
with 0 enrollees
PFFS Without Drug Coverage
2

2026 PFFS Medicare Advantage plans in Seneca County, New York (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Wellcare Advantage Enhanced
☆☆☆☆☆
$0 $4,300 N/A H2816-037-0
Wellcare Advantage Simple
☆☆☆☆☆
$0 $6,700 N/A H2816-038-0
What is the total number of PFFS plans in Seneca?

In 2026, Seneca has 2 PFFS plans with 0 enrollees.

How much do PFFS plans cost in Seneca?

The typical PFFS premium in Seneca is $0.00, and 2 plans have no monthly premium.

CMS quality ratings for Medicare Advantage plans in Seneca County, NY (2026) are summarized below.

Medicare Advantage Plan Ratings in Seneca County, NY (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 7 35%
3 Stars 13 65%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.45

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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